Amex Platinum Card vs Sapphire Reserve
Side-by-side on what matters: welcome bonus, real value, spend requirement, annual fee, and eligibility. Then check which one you can actually get.
| Amex Platinum Card American Express | Sapphire Reserve Chase | |
|---|---|---|
| Sign-up bonus | 175,000 points | 150,000 points |
| Estimated value | $1,730 | $1,455 |
| Minimum spend | $12,000 / 6 months | $6,000 / 3 months |
| Annual fee | $895 | $795 |
| Credit needed | — | excellent |
| Foreign transaction fee | None | None |
Bottom line
On raw welcome-bonus value, Amex Platinum Card is currently ahead (~$1,730 vs $1,455). But the “better” card depends on the annual fee you'll pay, the spend you can hit, and — most importantly — which one you can be approved for.
The biggest mistake is applying for a card you can't get. Run both through the eligibility checker (it applies Chase 5/24, Amex once-per-lifetime, and more), and if Chase is involved, confirm your 5/24 status first.
Values are conservative estimates net of the first-year annual fee and change frequently. See our methodology. Verify terms on the issuer's site.